In many cases, the end of the year gives you time to step back and take stock of the last 12 months. This is when many of us take a hard look at what worked and what did not, complete performance reviews, and formulate plans for the coming year. For me, it is all of those things plus a time when I u...

EGG HARBOR TOWNSHIP, N.J., Nov. 28, 2012 /PRNewswire-iReach/ -- VO Financial Corporation, a timeshare consulting firm with offices in five states, is sharing the stories of timeshare fraud and misrepresentation as told by clients desperate for a way out of their overwhelming financial burden. Mr. Clarence of North Carolina contacted us to share his heartbreaking timeshare story. He writes, "Help a 73 year old person get back on his feet". In his letter, Mr. Clarence explained that he purchased his vacation ownership to travel just down the road to South Carolina. While on vacation in South Carolina, a sales representative of Mr. Clarence's developer convinced him to sit down to discuss his ownership. Although Mr. Clarence had already purchased the timeshare, which gave him the right to annual vacations at the resort where he was staying, the sales representative told him that he needed to purchase more ownership in order to be able to stay at that resort again next year. So he did. The following year when Mr. Clarence used his vacation ownership to stay at that same resort, the developer's representative convinced him again to purchase more ownership to vacation the next year. Not suspecting that what he was being told was not the truth, Mr. Clarence purchased more ownership again! This fraud occurred on several occasions, until a retired Mr. Clarence discovered that he owed $88,945 to the timeshare developer to be able to vacation just a few hours from his home. With seemingly no way to pay off this substantial debt, Mr. Clarence was convinced by the sales representative to take out a second mortgage on his home. Paying back this high mortgage has proven to be very difficult for Mr. Clarence and his wife living on a fixed income.

Sadly, there is no guarantee that the developer will take accountability and refund Mr. Clarence the money that he paid for lies and misrepresentation. Without receiving money back from the developer, Mr. Clarence is unable to pay off the high balance on the second mortgage!

After reaching out to the developer and begging for assistance as well as contacting numerous state government agencies, Mr. Clarence received a response from the developer stating, "We regret that you are not satisfied with your purchase, we must respectfully deny your request to cancel and refund your contract". Unfortunately, if Mr. Clarence had contacted VO Financial sooner, he would have discovered there was a solution to his financial nightmare other than taking out a second mortgage on his home.

It is heart wrenching stories such as this that fuels the passion of those working at VO Financial. VO Financial opened its first office in the Spring of 2010 on a mission to assist timeshare owners. Almost immediately, it became evident that the need for assistance was much greater than expected. Owner after owner shared their purchasing horror stories, desperate for a way out of their financial burden incurred as a result of their developer's fraudulent and deceptive practices. Throughout the first few months of operation, VO Financial designed programs and services geared towards helping the many victims of timeshare fraud. Since then, VO Financial has expanded into five states.

For more information on whether VO Financial can help you or someone you love, contact us at customercare@vofinancial.com or at 1-800-381-9469 before it is too late!

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